Health pools expand access to affordable, sustainable healthcare for municipalities, public entities and associations. But maintaining stability is increasingly complex. Rising medical and pharmacy costs, high-value claims, demographic shifts and evolving regulations all place new demands on pool leadership. To stay resilient, you need a transparent partner who understands the unique dynamics of pooled health programs to help you build long-term stability.

As a trusted leader with more than 40 years of experience in managing health pools, risk financing, group health programs, stop-loss solutions and alternative risk structures, Gallagher helps health pools strengthen financial performance, protect members, position programs for the future and provide ongoing support. Our dedicated team manages more than 60 multiple-employer pools across the country, reaching more than 3,000 employers and half a million employee lives. Industries we support include:

  • Public entities
  • K-12 and charter schools
  • Religious
  • Banking
  • Associations
  • Higher education
  • Healthcare
  • Nonprofits

Specialized insurance solutions for health pools

Health pools operate differently than traditional health plans or employer groups. We design and place tailored insurance and reinsurance solutions that keep member needs in mind, reflecting your unique membership structure, claims history and risk appetite. Our services include:

Data-driven solutions for a complex environment

A successful health pool requires the right balance of funding structure and benefits design. Our holistic approach integrates our proprietary tools to deliver tailored, data-driven solutions that optimize health pool performance and member outcomes:

Gallagher Drive ® — aligns organizational goals with workplace strategies by addressing employee engagement, wellbeing and risk management, ensuring benefits and wellness programs meet the unique needs of pool members

Gallagher People Strategy — addresses the physical, emotional, financial and career wellbeing of employees, fostering healthier lifestyles, reducing claims and improving member satisfaction.

Together, these tools create a comprehensive strategy that enhances the value of health pools, reduces costs and supports long-term success for both the pool and its members, including financial stability, improved employee health and lower overall healthcare costs.

Preparing for tomorrow's group purchasing landscape

Innovation is rapidly reshaping health care. Virtual care, AI-powered analytics, precision medicine and alternative risk financing models are altering how health pools operate and plan for the future. Gallagher helps health pools evaluate these emerging trends and understand how they may influence costs, access and long-term strategy. Our advisory capabilities empower pools to manage uncertainty proactively and turn change into opportunity.

Empowering multiple employer benefits with ongoing support

In addition to placing insurance, we act as strategic partners to help health pools run more efficiently, reduce risk and improve outcomes for members. We implement technology alongside pooled solutions to simplify the enrollment process and ongoing administration, including governance and compliance guidance, vendor management and program organization.

Your partners in building a stronger, sustainable health pool

Health pools play an important role in supporting communities and organizations and we can help strengthen that mission. Through comprehensive coverage, advanced analytics, strategic advisory and hands-on support, we help health pools operate more effectively, respond to change with confidence and deliver greater value to every member you serve.

Health Pools Insurance Summary

  • 40+ years of experience and a deep understanding of the unique challenges facing entities that join together to gain collective purchasing power
  • Tailored multiple employer benefits pools that deliver control, transparency, financial savings and administrative efficiencies
  • Proactive, innovative solutions that anticipate changing employee needs in a continually evolving healthcare market

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